An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Service Corporation International provides deathcare products and services in the United States and Canada.
VERDICT
The label
Markup
read at $84.23
Service Corp International holds its Markup at $84.23.
PHPhase · the trend structure carries the Markup label
INInsiders · no filings inside 60 days, left as found
POPositioning · political selling, disclosed 8 Jul2026
OPOptions · no verdict drawn today, left as found
SCScreen · passes the values gate
edge confirmed
edge broken
edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
INVESTOR
The investor read · the season, not the day
As held on the ledger · 2026-08-14
Phase
Markup
Quantitative state
The statistical read favours the sellers, held for 9 days
Price
$84.23
Valuation
21.99 trailing · 18.32 forward price to earnings
Values screen
PASS· score 70.0
Beta
0.82
OPPORTUNITY
The opportunity · what the numbers say it is worth
Read at
$84.23
21.99 P/E · 18.32 fwd
Our fair value
$100.58
19% discount
Analyst target (avg)
$100.00
+19% to current
Target low $97.00Analyst target rangeTarget high $105.00
▲ current $84.23 · | average target
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Current
$84.23
you are here
Conservative
$87.30
+4%
Analyst avg
$100.00
+19%
Our fair value
$100.58
+19%
Analyst high
$105.00
+25%
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Revenue growth
3.60%
Profit margin
12.30%
Debt to equity
344.86
Analyst consensus
Strong Buy · 6 covering
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
SCREEN
The values screen, explained · five checks, plain English
It depends which standard you follow. There are two widely recognised ways to check whether a company is suitable for a Muslim investor, and on this company they disagree. Here is how it did on each:
The common standard· AAOIFI Used by most halal investing apps✗ DOES NOT PASS
Our stricter standard· asset-based The one Titan applies✓ PASSES
Why the two disagree. They fall out over one thing only: the company’s debt. Our stricter standard measures that debt against what the company owns, and it works out too high to pass. The common standard measures the same debt against what the company is worth on the stock market, where it works out low enough to pass. Every other check, the two agree on. So in practice, most halal apps would treat this as fine to hold, while our stricter view would not — and which line you follow is between you and your scholar.
Business activityIts core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending.Pass
Debt loadInterest-bearing debt is just 28.0% of its assets, well under the one-third ceiling — it does not run on borrowed money. Against market value it is 43.9%, under the 30% line the market-value standard uses — so that standard clears it.Divergent
Interest-bearing cashCash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.Pass
ReceivablesMoney owed to the company is 1.8% of assets, under the 49% limit.Pass
Revenue purityOnly 0.0% of revenue comes from non-compliant sources — under the 5% line.Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
PLAIN
The business, in plain words · what the numbers mean
Deathcare business stays steady yet uninspiring
Every year families still need funerals and cremations, and Service Corp owns the local chapels and cemeteries that handle the work across North America. The numbers look tidy on paper, with a 33% return on equity and 12% profit margins, yet revenue is creeping forward at just 2% a year and the forward multiple sits at 17.3 times. A 26% gap to fair value exists, but the weak moat and flat growth leave the opportunity rating at none.
High returns on equity normally signal durability, yet here they come with almost no top-line momentum and an industry that remains fragmented and local. Analysts see roughly the same value we do, around 98 dollars, so the shares are not obviously mispriced once the modest growth is factored in. Ethical screens clear without issue, but that alone does not turn a slow-moving service business into a compelling case.
The main risk is that low barriers allow new entrants or bigger players to chip away at margins over time, while any consumer pullback can still trim discretionary add-ons such as premium caskets. A cyclical label on a low-growth name often hides exactly this trap. Analysis, not advice.
Screened names in the same industry · explore each on its own page.
TRADER
The trader read · the latest dated commentary
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.9% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is momentum reading oversold. Over the past year the shares are down 6%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (6 analysts) rates it none, with a mean price target of $96. Entered 2026-08-12 · Markup
JOURNAL
The dated journal · newest first, never edited
2026-08-12Markup · changed$85.29+10.9%Entry 4
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.9% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is momentum reading oversold. Over the past year the shares are down 6%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (6 analysts) rates it none, with a mean price target of $96.
2026-07-18Markdown$76.92+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is momentum reading oversold. Over the past year the shares are down 6%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (6 analysts) rates it none, with a mean price target of $96.
2026-07-03Markdown$76.92+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markdown$76.92Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
POLITICAL
The political ledger · congressional disclosures
Disclosures naming SCI
Date
Politician
Party
Type
Amount
8 May2024
Tommy Tuberville
Republican
sell
1K–15K
8 Jul2026
April McClain Delaney
Democrat
sell
1K–15K
7 Jul2026
Ro Khanna
Democrat
sell
1K–15K
7 Jul2026
Ro Khanna
Democrat
sell
1K–15K
7 Jul2026
Ro Khanna
Democrat
sell
1K–15K
RETURNS
What holding actually paid · price plus dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$77.38
-4.6%
·
$955
-4.6%
2 months
$81.55
-9.4%
·
$906
-9.4%
3 months
$78.24
-5.6%
$0.34
$948
-5.2%
6 months
$78.61
-6.0%
$0.68
$948
-5.2%
1 year
$78.46
-5.9%
$1.32
$958
-4.2%
2 years
$69.06
+7.0%
$2.54
$1,106
+10.6%
3 years
$60.99
+21.1%
$3.69
$1,272
+27.2%
5 years
$50.76
+45.5%
$5.65
$1,566
+56.6%
Historical returns from market close data. Past performance does not guarantee future results.
SEALED
This entry now belongs to the ledger. Whatever SCI does next, these words stay.
Service Corp International · SCI · Markup · $84.23
Recorded 2026-08-14 · before the outcome · scored mechanically
